FDIC Cert #29024 · Bedford, Indiana · Est. 1934

Bedford Federal Savings Bank - FDIC Bank Health Profile

A community-scale look at Bedford Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$286M
Total assets
C
Health grade · Fair
1.12%
Return on assets
9.7%
Tier 1 capital

Data updated July 2026

The verdict

Bedford Federal Savings Bank earns a PlainBankData health grade of C (56/100), with 9.66% Tier 1 capital, profitable at 1.12% ROA, 61% efficiency ratio.

#2,565
largest of 4,313 FDIC banks by assets
41st
percentile by asset size, nationally
9.66%
Tier 1 ratio - below the 10% well-capitalized line
52nd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 29024 · IN C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3961/4307
  • PHOTO-FINISH New Carlisle Federal… · OH
  • TIER1-ADEQ 9.7% Tier 1
  • TEXAS-HEALTHY 15.6% Texas
  • ROA-PAR 1.12% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: New Carlisle Federal Savings Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bedford Federal Savings Bank

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Beauregard Federal S… · LA ·…56/100Bedford Federal Savi… · IN ·…56/100Kingstree Federal Sa… · SC ·…56/100New Carlisle Federal… · OH ·…56/100North Side Federal S… · IL ·…56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bedford Federal Savings Bank · July 2026

What Bedford Federal Savings Bank's Call Report plate shows

Bedford Federal Savings Bank (FDIC Cert #29024) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,961 of 4,307. Tier 1 capital prints at 9.66%, missing the 10% well-capitalized line. The Texas Ratio is 15.55%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.12%. Balance-sheet scale is $286M, 2,565th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is New Carlisle Federal Savings Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bedford Federal Savings Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Bedford Federal Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bedford Federal Savings Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How Bedford Federal Savings Bank's 56/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10056/100
Bedford Federal Savings Bank's composite health score
Tier 1 Capital Ratio (9.66%) 18/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (15.55%) 10/20
Efficiency Ratio (60.51%) 8/15

56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$286M

Total balance-sheet footings

Total Deposits

$247M

Customer-funded liabilities

Net Loans

$229M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.26% 9.66% 11.06%
Basel III capital ratios - Bedford Federal Savings Bank

Where Bedford Federal Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bedford Federal Savings Bank's score of 56/100 falls in the highlighted band.

Bedford Federal Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 8th percentile higher than 8% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bedford Federal Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bedford Federal Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bedford Federal Savings Bank's $286M falls in the highlighted band.

Safety ratios for Bedford Federal Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

9.66% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.66%
Texas Ratio
15.55%
Equity Capital
$28M

What these ratios mean →

Earnings posture at Bedford Federal Savings Bank

Return on Assets (ROA)
52nd percentile nationally
1.12%
Return on Equity (ROE)
11.82%
Efficiency Ratio
60.51%

What these mean →

Income & expense at Bedford Federal Savings Bank

$16M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bedford Federal Savings Bank reports a Texas Ratio of 15.55% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bedford Federal Savings Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($286M here), outside Indiana so the neighborhood is not state containment.

The Brattleboro Savings and Loan Asso… $286M · VT Nebraska State Bank and Trust Company $285M · NE Bank Irvine $286M · CA Pioneer Bank $286M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bedford Federal Savings Bank (FDIC Cert #29024) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bedford Federal Savings Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%